When you make a payment, you will need to authenticate your identity by using your fingerprint or Samsung Wallet PIN before the information can be sent to the payment terminal.
The last four digits of the card number will be displayed on the card image in Samsung Wallet to help you manage your cards. Samsung does not store or even have access to the payment information added to Samsung Wallet. A new token will be generated even if you are attempting to add a card that was recently removed. This process takes place every time you add a payment card. If your card is ever lost or stolen, this will prevent the card from being added to Samsung Pay fraudulently. A one-time password (OTP) may be requested by the card issuer to verify you are the cardholder. When you add your payment card to Samsung Pay, the information is encrypted and sent to Samsung servers and, ultimately, to the card issuer's payment network (i.e., Visa®, MasterCard®, or American Express®) for approval.
See the Digital Car Key FAQ for more details: Note: compatibility of devices for the Digital Car Key feature vary according to manufacturer. Samsung Wallet is compatible with Samsung Galaxy devices which have Android version 9 or above installed and which are equipped with NFC and biometrics capability.
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